Fishers, IN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Fishers, IN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Save Up To $679 on Multi-Car Insurance in Fishers, IN
The average cost of auto insurance in Fishers, IN, is $1,002. Car owners in Fishers can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Fishers.
Multi-Car Insurance:
Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Fishers is $1,743, while the cost of insuring four vehicles under this policy is $3,487. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.
Anti-Theft Discounts:
Car insurers across Indiana offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Fishers.
Discounts for Students:
Teenagers in Fishers pay $3,251 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.
Factors that can influence the cost of car insurance in Fishers, IN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Fishers, IN Auto Insurance Rates
- Fishers, IN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Fishers, IN
- Multi Vehicle Insurance Savings in Fishers, IN
- How Credit Score Affects Car Insurance Rates in Fishers, IN
- How DUI Affects Auto Insurance Premiums in Fishers, IN
- How Driving Violations Affect Auto Insurance Rates in Fishers, IN
- Fishers, IN Auto Insurance Discounts on Anti Theft Feature
- Fishers, IN Auto Insurance Company Reviews
Fishers, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Fishers, IN with that of other cities in and around Fishers.
| Fishers | Delaware | Fall Creek | Vernon | Lawrence | McCordsville | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,002 | $1,600 | $1,327 | $1,224 | $1,207 | $1,626 |
Fishers, IN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Fishers, IN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Fishers | $1,075 | $908 |
| Fall Creek | $1,885 | $1,592 |
| Delaware | $1,539 | $1,300 |
| McCordsville | $2,631 | $2,222 |
| Noblesville | $1,339 | $1,131 |
| Vernon | $1,483 | $1,253 |
| Lawrence | $2,358 | $1,991 |
| Hamilton County | $3,044 | $2,571 |
Fishers, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Fishers, IN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,251 |
| 20 Years | $1,287 |
| 30 Years | $992 |
| 40 Years | $954 |
| 50 Years | $884 |
| 60 Years | $896 |
| 70 Years | $1,043 |
Fishers, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Fishers, IN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,743 | $261 |
| 3 Vehicles | $2,615 | $391 |
| 4 Vehicles | $3,487 | $521 |
Savings on 2 Vehicles bundle:$261
Savings on 3 Vehicles bundle:$391
Savings on 4 Vehicles bundle:$521
Fishers, IN Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Fishers, IN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Fishers | $1,002 | $1,550 |
| Fall Creek | $1,327 | $2,053 |
| Delaware | $1,600 | $2,476 |
| McCordsville | $1,626 | $2,516 |
| Noblesville | $1,003 | $1,552 |
| Vernon | $1,224 | $1,894 |
| Lawrence | $1,207 | $1,868 |
| Hamilton County | $1,288 | $1,993 |
Fishers, IN Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $860 |
| Excellent (740-799) | $981 |
| Good (670-739) | $1,044 |
| Average (580-669) | $1,362 |
| Poor (300-579) | $1,634 |
Fishers, IN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$44 | $1,046 |
| Driver's Failure In Showing Documents | +$97 | $1,099 |
| Driving With An Expired Registration | +$103 | $1,105 |
| Driving At A Considerably Slow Pace | +$217 | $1,219 |
| Using A Cellphone While Driving | +$229 | $1,231 |
| Running A Red Light | +$233 | $1,235 |
| Speeding | +$245 | $1,247 |
| Driving A Vehicle Without The Required Permission | +$312 | $1,314 |
| Driving With An Expired/Suspended License | +$675 | $1,677 |
Fishers, IN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $962 |
| Active Disabling Device | $962 |
| Tracking Device | $942 |
| Passive Disabling Device | $932 |
Latest Auto Insurance Reviews in Fishers, IN | Back to Top
GeicoUsed to have Progressive. Every six months my bill would jump anywhere between 100 to 200 bucks a month. With Geico, it never goes up- and often goes down.
ProgressiveMy Car insurance company Progressive is having better customer service than other car insurance providers.They have very good attitude towards customer handling and followup.
ProgressiveThey offer protection for flood, and I'm in a very flood prone area so this helps me and my friends specifically compared to another policy offering which doesn't.
Auto Owners InsuranceAuto owners was the cheapest option by far for the level of coverage that we wanted. This was the case for even other big name companies.
Geicoi feel geicos coverage is terrible for this, i felt like the rise in cost was not justified and in a couple months there was a huge price increase.
Safeco InsuranceMy wife was in a fender bender, someone else's fault and they were great to work with. They even contacted the other insurance and helped us with that.